Just make it a semi-hidden multistep option like browsers when you visit a site with a bad cert, just annoying to leave what you are doing go to system settings and fiddle.

I mean, that's basically what it is.

At what point does optimizing the experience for those who refuse to read or think stop making sense?

That never stops making sense.

People are trying to get things done, and will choose the fastest path, and their context is that they are constantly bombarded with popups, cookie banners, two-factor prompts, captchas, and a zillion other things.

They have neither the time nor the resources to distinguish what’s important and requires their attention from what doesn’t.

Most people find using a computer absolutely exhausting.